Please ensure Javascript is enabled for purposes of website accessibility

Please be aware of scammers demanding money by pretending to be individuals or organizations. Do not send money, gift cards, or payment info to anyone you don’t personally know. When in doubt, verify directly. Stay safe and report suspicious messages.

Read about ongoing financial industry scams HERE.

To learn more about our mobile app, online banking, and more, watch our video tutorials.
SouthStar Bank
Open an Account
Make a Payment
  • FDIC - Insured - Backed by the full faith and credit of the U.S. Government

Bank News

Posted in Bank News
by

Lot Loans Construction Financing

FDIC – Insured – Backed by the full faith and credit of the U.S. Government CREATE THE HOME OF YOUR DREAMS LOT LOANS AND CONSTRUCTION LOANS Building your dream home? SouthStar Bank can provide the funding you need from raw land to construction and permanent mortgage financing. APPLY NOW APLICA AHORA “We are about to wrap up our second loan with Southstar. First was a land loan and the current is a construction loan I cannot say enough about what a fantastic job they did. They worked both loans and where extremely professional, went above and beyond to deliver and I would highly recommend them to anyone. Their communication and responsiveness was spot on.” ~James A. Build Your Future With SouthStar Bank Building a home is a journey. Whether you’re selecting the perfect lot, building a new home or both, SouthStar Bank can provide the financing you need to get started. Our knowledgeable lending team is experienced in the construction loan process and will work with you to get pre-qualified, understand your budget, create a financial plan, and guide you through every stage of construction to permanent loans. For those buying property, we also offer land loans and lot loans to help secure your future site or land loan in Texas. Why choose SouthStar Bank for financing? You’re about to participate in the great Texas tradition of securing your land and leaving your legacy. We’ll be there for you: financing first the lot of your choice, and then your construction costs as you work with your builder to craft your family home. Personal Service Flexible Terms Seamless Draw Process Proven Expertise Get More Details Please complete the form below and one of our personal bankers will be in touch. Local Expertise We’re your local community bank, committed to offering you the personalized service that ensures a smooth construction loan process. SouthStar Bank provides more than 100 years of lending expertise and was recognized as a Top Austin Mortgage Company by the Austin Business Journal. You can trust us to find the right construction to permanent loan or land loan in Texas for your project! Lot Loans The first step in building a new home is identifying the property. Through a raw land or lot loan, you can secure the site until you’re ready to build. Land loan terms are typically 12 months or 3 years, depending on how much time is needed before converting to a construction loan, and are usually amortized over a 20 year payment schedule. The down payment you make on the land is typically used towards the down payment on the construction loan. When planning your budget, remember to calculate expenses that will be applicable as soon as you close on the property, such as property taxes and loan payments on the raw land. For Texas buyers, a land loan in Texas can be the perfect way to hold your property before construction. APPLY NOW Construction Loans Once your plans and budget are finalized with your […]

Read More
Posted in Bank News
by

jumbo-loan

FDIC – Insured – Backed by the full faith and credit of the U.S. Government GO BIG WITH JUMBO LOANS SO YOU CAN GO HOME Realize the home of your dreams with a Texas-sized mortgage from a trusted Texas lender. APPLY NOW APLICA AHORA “Everyone I spoke with at SouthStar was very helpful and willing to assist me! I had talked to a couple other banks and not received a good response, so calling SouthStar was such a relief. They were super responsive in getting me an account set up and helping me with a loan. Would definitely recommend using SouthStar!” ~ Kristi H. Big Financing For Big Homes. Will your dream home cost more than $548,250? Jumbo loans give you the financing you need to transform your dreams into reality. SouthStar bank will help you qualify, and ensure you get the most favorable rates and terms for your financial situation. Why Choose A Jumbo Loan? Finance the luxury property of your choice. Choose between a variety of mortgage terms. No Fannie Mae or Freddie Mac restrictions. Enjoy tax breaks on up to $750,000 of mortgage debt. Get More Details Please complete the form below and one of our personal bankers will be in touch. Credit Score, Cash Flow, DTI and Other Financial Requirements for Jumbo Loans Most jumbo mortgages have standard options like 30-year fixed-rate mortgages, Adjustable Rate Mortgages (ARM) and in some cases Interest Only options. More specifically, your credit score must be above average, and your DTI (debt to income ratio) must be no higher than 43%.If you’re self-employed, there are additional financial requirements. Since you won’t have any W-2s, self-employed borrowers are required to produce two years of tax returns and at least sixty days of bank statements.To prove sustainable cash flow, the buyer must possess liquid assets and in many cases six months’ worth of cash reserves that equal the mortgage payment. A Texas-Sized Mortgage From a Trusted Texas Lender At SouthStar bank, we honor our 100-year Texan heritage by focusing on community values, personal relationships, and flexible, common-sense lending. Our experienced professionals are ready to help you meet your home ownership goals, no matter how ambitious they are. Contact us today to get started. Because jumbo loans occupy more of a niche market than traditional home loans, they have unique regulations and tax implications. Also, because these mortgages are considered higher risk, they have more rigorous underwriting procedures. However, because they offer higher risk, jumbo loans can potentially offer higher benefits. For example, since lenders have more to gain from these loans, they can also afford more services to ensure the buyer’s financial safety. Another benefit is that you aren’t restricted by Fannie Mae or Freddie Mac. Jumbo Mortgages: The Right Move if You’re in the Right Position If you’re considering a jumbo loan, it’s important to remember that it is a major investment. As with any investment, there are risks to understand and evaluate in relation to your goals. Choosing to buy a house […]

Read More
Posted in Bank News
by

Mortgage Loans

FDIC – Insured – Backed by the full faith and credit of the U.S. Government THE RIGHT HOME LOAN FOR YOUR NEXT BIG STEP WITH A TRUSTED MORTGAGE LENDER Trust your Mortgage Lender experience to the professionals who have been serving your community for nearly a century. APPLY NOW APLICA AHORA “Everyone I spoke with at SouthStar was very helpful and willing to assist me! I had talked to a couple other banks and not received a good response, so calling SouthStar was such a relief. They were super responsive in getting me an account set up and helping me with a loan. Would definitely recommend using SouthStar!” ~ Kristi H. Buying a home can be exciting yet daunting. We’re here to help. When you choose a mortgage loan, you want to choose the right one. Here at SouthStar Bank, you can take advantage of a variety of options while working with professionals who care about ensuring you get the best rates, monthly payments, and terms for your financial situation. We even have solutions for nontraditional borrowers, like self-employed persons, individuals who need low down payments, or those who want to build their own homes. At SouthStar Bank, it’s about partnerships with people, not pushing products. Whether you’re working with a mortgage broker or applying directly through our mortgage lender, you’ll get actionable advice from people who are ready to keep your best interests at heart. Contact us today to get started. SouthStar Bank offers broad mortgage loan options to serve you better: Star Advantage Program: Home loans for unique situations Traditional Fixed and Variable Rate Mortgages: Conventional (Fannie Mae & Freddie Mac), FHA, Jumbo, Rural Living, USDA, VA Low Down Rural Acreage Refinance Interim Construction to Permanent Financing Get More Details Please complete the form below and one of our personal bankers will be in touch. Your Home for Mortgage Lending Our roots lie in the quiet town of Moulton, but make the circle across Central Texas where you’ll find 16 SouthStar Bank locations. Established in 1920, the Moulton headquarters is flanked by locations in Shiner and Gonzales. Flowing down toward Houston, you’ll find our Brazoria branch. Make the circle back north through College Station to our Robertson Country Branches of Hearne, Franklin, Bremond and Calvert. Continue through Temple to the Harker Heights Branch. Head south on I-35 to the state capitol of Austin surrounded by six SouthStar Bank locations: Georgetown, Round Rock, Leander, Steiner Ranch, Bee Cave, and Southwest Austin (Dripping Springs). Whether you’re looking for a mortgage broker in Austin, Texas, or need a mortgage loan for your dream home, trust our local experts. Are you looking for a mortgage in Austin, Texas? SouthStar Bank has more than 100 years of lending expertise and is recognized as a Top Austin Mortgage Company by Austin Business Journal. This was based on the number of Austin-area loans that the local offices closed in 2019 — 170 Austin-area loans for a total of $83.35 million, plus 121 non-local loans. Empowering Our Community […]

Read More
Posted in Bank News, Employee News
by

Congratulations Larry Weisinger! New Branch Executive

Congratulations to Larry Weisinger on his promotion to Branch Executive! Larry D. Weisinger was promoted to Branch Executive of the SouthStar Bank Bee Cave Branch. With nearly two decades in the commercial and residential banking sector, Weisinger provides vast expertise to the local community. A graduate of The University of Texas at Arlington and the University of North Texas, he quickly excelled with a passion for consulting clients in reaching their financial goals. Weisinger has developed a proven strategy for success, built on traditional customer service and a unique understanding of the mortgage loan process and local market. He has shown strong leadership and performance in his role as Senior Vice President of Lending and will be an asset in guiding the team at the Bee Cave location. Weisinger will continue to specialize in mortgage loans, including traditional home loans, bank-held portfolio loans, and construction financing. A native Texan, Larry enjoys spending time in the great outdoors hunting and fishing. A 20-year resident of Lake Travis, Larry has been married to his wife Tracie for 29 years. They raised two children in the LT school district, both excelled academically and athletically. Member FDIC | Equal Housing Lender | NMLS# 299096

Read More
Posted in Bank News
by

Mobile App

FDIC – Insured – Backed by the full faith and credit of the U.S. Government MOBILE BANKING Bank Anywhere Convenience big enough for your Texas lifestyle. DOWNLOAD ON THE APP STORE DOWNLOAD ON GOOGLE PLAY “We could not be happier with our choice to bank with SouthStar. The customer service is truly second to none. If you’re looking for a true Texas bank with the best banking experience you’ll ever get, SouthStar is the one!” ~ Chandra A. We’re pleased to offer the SouthStar Bank mobile banking app We’ll never turn our back on our personal commitment to you as members of our banking community. That means doing everything we can. That’s why we’re pleased to offer the SouthStar mobile banking app. Gain complete control of your accounts on the go. Just register for online banking, download, and go! It’ll be like having a SouthStar Bank branch right in the palm of your hand. How can the SouthStar Bank mobile app help? Access account activity and statements 24/7 Pay bills and transfer funds at the touch of a button Deposit a check while on the go, simply by taking a photograph Set activity alerts and retrieve check images if something seems wrong Temporarily freeze debit card to suspend activity Get More Details Please complete the form below and one of our personal bankers will be in touch. Frequently Asked Questions from Clients Can you deposit checks from the mobile app? Yes, you can deposit a check directly from the app to your SouthStar Bank account. When doing so, remember to write ‘FOR MOBILE DEPOSIT ONLY SOUTHSTAR BANK’ along with endorsement signature. The app will prompt users to take a photo of front and back of the check. Is mobile banking safe? The SouthStar Bank mobile app offers secure access through password, fingerprint or face ID as well as multi-factor authentication. We recommend keeping both the app and your phone up-to-date to implement the latest safety protocols from your OS of choice. We also recommend a strong pin key on your phone or using fingerprints or facial recognition to unlock it, just in case your phone is lost or stolen. If you follow these guidelines and keep passwords or pin numbers secure, then mobile banking with the SouthStar app is safe, easy, and effective. In fact, downloading the app is far safer than trying to use mobile banking on your phone’s browser. It’s also a lot easier. How can I control my debit card? Use the SouthStar Bank app to temporarily freeze your debit card and prevent charges. For even greater control, download the SecureAlerts & CardManager® app to manage day to day activity on your cards, helping to guard against fraud.  Set limits based on transaction amount, location, or merchant type. For example, you can decide where, when, and how the card is used. Removing unwanted options from your card. Having trouble getting started? To get started, be sure you first registered for online banking. Download the consumer mobile app on iTunes or Google Play. Download the […]

Read More
Posted in Bank News
by

Congratulations Claudia Gonzales! 2021 Best Teller

Congratulations Claudia Gonzales! Claudia was named the winner of the Best Teller category in the 2021 Kerr County Readers Choice awards. She is located at the SouthStar Bank Kerrville branch and has been with the bank for the last four years. Since starting her career in banking, Claudia has strived to always provide her customers with top notch service. Hoping to move up in the banking industry, Claudia enjoys learning about all aspects of banking including lending and new accounts. In her new role as a Personal Banker, she is excited to be able to assist her customers further with their banking needs.    

Read More
Posted in Bank News
by

Congratulations Jeff Harris! 2021 Best Mortgage Lender Runner-Up

Congratulations Jeff Harris! Jeff was named runner-up in the Best Mortgage Lender category for the 2021 Kerr County Readers Choice Awards. He is a Vice President of Lending at the SouthStar Bank Kerrville location. A veteran of the United States Marine Corps, Jeff prides himself on his commitment to his customers, community, and country. All of his clients are treated with professionalism and compassion as they achieve their dreams of homeownership, whether they are first-time home buyers, someone moving to the community, or a second homeowner. NMLS# 1678994

Read More
Posted in Bank News, Event
by

SouthStar Bank Kerrville Ribbon Cutting

A recap of the Kerrville Ribbon Cutting SouthStar Bank celebrated its newest full-service branch, located at 1101 Junction Hwy, on September 24. Following the branch ribbon cutting conducted by the Kerrville Chamber of Commerce, guests enjoyed barbeque and live music by Max Flinn. SouthStar Bank specializes in residential mortgage, real estate and construction lending, now operating 16 full-service branches across Central Texas. The team includes Kent McKinney, Business Development Advisor, Jeff Harris, Vice President of Lending, Donny Lehmann, Vice President of Lending, Kyla Gesell, Assistant Vice President & Branch Manager, Shelby Mossman, Loan Assistant, Sherri Steadham, Loan Assistant, Meghan Jackson, Personal Banker, Sche Kehner, Personal Banker, Claudia Gonzales, Personal Banker, Brittany Selement, Personal Banker. Combined they offer an impressive 89 years of experience in the financial industry. All are deeply invested in the Kerrville community, serving as leaders in local organizations such as Rotary Club of Kerrville, Hill Country Crisis Council, and Together with Hill Country Veterans. “I cannot tell you how excited I am to be part of the SouthStar Family,” said Jeff Harris.  “This is a wonderful change for not only the staff, all of which are still with us, but for our community! The involvement, of a true community bank, that I have witnessed thus far is amazing and is only going to continue to grow in our home town of Kerrville and surrounding areas. The banking family that we have now is just that…family.  It’s nice to be part of an organization that is like family — one that shows they truly care for not only their employees but their customers as well.” SouthStar Bank was honored to have the Schindler family and other shareholders join the celebration.  The Raymond G. Schindler family of Houston, TX purchased controlling interest in the Bank in 1981 through its holding company, Southern Bancshares, Inc.  Operations under the current name, SouthStar Bank, S.S.B., began on January 1, 2015 following the merger of Lone Star, First Star and Texas Star banks with David R. Kapavik being named President and CEO after previously serving as President of Lone Star Bank.  The name SouthStar Bank was ultimately selected for its strong reference to the bank’s deep southern heritage, warm hospitality, and recognition as a bright star in the communities it serves. “I appreciate the warm welcome from everyone in Kerrville. Community is a huge part of our organization, and I can tell from those I’ve met that there’s a strong spirit. Our focus is always to provide friendly, flexible financial services where we live and work, and I’m looking forward to bringing that Texas Style of banking to the Hill Country region,” said David Kapavik, President and CEO at SouthStar Bank.

Read More
Posted in Bank News, Important Notice, Press Release
by

SouthStar Bank Acquires Community First National Bank, Kerrville Branch

It’s Official: SouthStar Bank Joins the Kerrville Community MOULTON, TX, August 27, 2021 – SouthStar Bank has purchased the Kerrville branch of Community First National Bank with the full approval of the Texas Department of Savings and Mortgage Lending and the Office of the Comptroller of the Currency. The branch, located at 1101 Junction Highway in Kerrville, TX, will be open for business as a SouthStar Bank branch on Monday, August 30th.  The community is invited to attend a ribbon cutting celebration on September 24th at 3:30 PM. BBQ will be served and there will be live music from 5:00 PM to 7:00 PM. The event is free, family-friendly, and open to all. SouthStar Bank has been a fixture in Texas banking since 1920. It’s headquartered in Moulton, TX and now has 16 locations throughout Central Texas (including the new Kerrville branch).  According to SouthStar Bank President & CEO David Kapavik, the sale represented a strategic initiative for both organizations. “The Kerrville branch is a perfect fit. Community First National Bank built a strong reputation for local, friendly service. These values are in line with SouthStar Bank’s mission to provide friendly, flexible, common-sense financial solutions—Texas style! Their values are aligned with ours as a true community bank. We are excited to grow the Bank’s footprint into the Hill Country area.” SouthStar Bank retained the Community First National Bank Kerrville team at the branch, including Brittany Selement (Personal Banker), Claudia Gonzales (Personal Banker), Jeffery Harris (Vice President of Lending), Donny Lehmann (Vice President of Lending), Kent McKinney (Business Development Advisor), Kyla Gesell (AVP/Branch Manager), Meghan Jackson (Personal Banker), Sche Kehner (Personal Banker), Shelby Mossman (Loan Assistant), and Sherri Steadham (Loan Assistant).  When speaking of the Kerrville team, Kapavik said: “The local team is strong, helping to make the transition as seamless as possible both internally and for the new clients we are bringing into the SouthStar Bank family.” Kent McKinney, Business Development Advisor and former Community First National Bank Senior VP feels the team will be in great hands. “During the transition, I have had the opportunity to meet many of the SouthStar Bank people, from owners, to managers, to staff members at several levels. Without exception they are some of the nicest, most pleasant, most dedicated individuals you could hope to meet. There will always be some changes resulting from this kind of transition, but what you won’t see is a decrease in friendly, efficient customer service.” McKinney notes that the staff has been looking forward to the change, and praises SouthStar Bank for the investments they’ve made in local nonprofit organizations. “SouthStar Bank looks forward to a long-term presence,” adds Kapavik. “Extending our 100-year history of helping local residents reach their financial goals.” For more information, visit https://southstarbank.com//.  * * * ABOUT SOUTHSTAR BANK SouthStar Bank, S.S.B., specializes in residential mortgage, real estate, and construction lending, operating 16 full-service branches across the Central Texas region. Established in 1920, the bank continues to focus on community involvement and personal relationships. […]

Read More
Posted in Bank News
by

Congratulations Amber Minnick! New Portfolio Manager II

Congratulations to Amber Minnick on her promotion to Portfolio Manager II! Amber Minnick has been promoted to Portfolio Manager II for our Specialty CRE Team. She joined SouthStar Bank in 2020 and made an immediate impact on the team, closing over 180-unit loans and reorganizing the Homebuilder Finance department. Amber will continue to manage the builder lines of credit and oversee the procedures and processes for HBF. She will also manage the closings for lot development loans, review the quarterly loan covenants, and complete quarterly market analyses for the portfolio. Amber is the most excited to develop a deeper understanding of the acquisition and development process of Homebuilder markets in her new role. Amber enjoys spending her free time with her boyfriend and their families. Some of their favorite activities include boating on Lake Travis, taking road trips, and visiting local Hill Country wineries, breweries, and distilleries. NMLS # 2026848

Read More
Load More

Start typing and press Enter to search

View more